Free Up Your Builder Line. Build more homes.

We help builders refinance unsold spec homes off their construction lines and into long-term, cashflowing properties — often with little to no additional capital investment.

Trusted by:

LogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogoLogo

HERE'S THE ISSUE

Your Line Is Full — But Your Wallet Isn’t.

You’ve got finished homes sitting on your builder line, tying up your credit and preventing you from starting new projects.

The bank doesn’t care that the market slowed — your line is frozen until those homes are off the books.

That’s where we come in.

THE SOLUTION

We Refinance Your Inventory — So You Can Build Again.

Our Builder Rescue Line Program allows you to refinance completed inventory from your builder line into your personal name or LLC using long-term financing.

This clears your construction line and frees up capital to start your next build cycle — without needing to sell under pressure or take a loss.

Remove unsold homes from your builder line

Free up capacity for your next project

Refinance into your personal LLC or name

Keep properties as cashflowing rentals

Build long-term wealth and retirement income

Why Builders Love This Program

Little to No Additional Capital Required.

Unlike traditional take-out loans, our refinance options are designed specifically for builders.

We understand your margins, timelines, and portfolio strategy — and we structure financing that keeps your liquidity intact while moving assets off your credit line.

You Get:

1. Competitive long-term financing rates

2. Fast closings to keep your pipeline moving

The Big Picture

From Inventory Burden to Retirement Asset.

Instead of sitting on unsold homes, turn them into income-generating rental properties that:

1. Build passive income

2. Increase your long-term net worth

3. Diversify your builder business

4. Create a steady path toward retirement

You built the homes. Now let them work for you.

How It Works

From Line Relief to Long-Term Growth in 3 Steps

Instead of sitting on unsold homes, turn them into income-generating rental properties that:

1

Evaluate Your Builder Line

We review your current inventory and credit exposure.

2

Refinance The House

We transition properties into your LLC or personal portfolio using custom loan programs.

3

Rebuild and Repeat

You clear your line, start new projects, and grow a cashflowing property base.

IT'S TIME TO HEAR "YES"

Ready to Refill Your Line and Restart Construction?

Don’t let your line of credit hold your business hostage.

CONNECT NOW

Looking For Other Ways To Connect?

Book an appointment or apply now

BOOK AN APPOINTMENT

Receive the latest industry trends, expert advice, and exclusive offers directly to your inbox.

APPLY NOW

Receive the latest industry trends, expert advice, and exclusive offers directly to your inbox.

Check out our latest blogs...

What Is an ITIN Loan—and Why It’s One of the Most Important Homeownership Programs in Texas

What Is an ITIN Loan—and Why It’s One of the Most Important Homeownership Programs in Texas

What is an ITIN loan and who is it for? Learn how ITIN mortgages help qualified borrowers without a Social Security number buy homes in Texas. ...more

ITIN Loans

January 14, 20263 min read

The 50-Year Mortgage: Why a Longer Loan Can Be a Smarter Wealth Strategy

The 50-Year Mortgage: Why a Longer Loan Can Be a Smarter Wealth Strategy

A clear, practical breakdown of how a 50-year mortgage can support real-world homeownership, improve affordability, and help buyers benefit from long-term appreciation without sacrificing lifestyle. ...more

50 year mortgage

January 13, 20263 min read

The V.O.E. Loan: The Loan Designed for Paychecks That Don’t Behave

The V.O.E. Loan: The Loan Designed for Paychecks That Don’t Behave

Discover how a V.O.E. (Verification of Employment) loan helps commission and bonus-based earners qualify for a mortgage without tax returns or pay stubs. ...more

WVOE Loans

January 11, 20263 min read

A Market on a Teeter-Totter: What the Latest Mortgage News Really Means for Homebuyers

A Market on a Teeter-Totter: What the Latest Mortgage News Really Means for Homebuyers

Some weeks in the mortgage world are quiet. Others feel like someone jumped on the seesaw while you were still finding your balance. This was one of those weeks. Between sudden federal moves, jittery... ...more

monday updates

January 11, 20265 min read

Mortgage Truths for Entrepreneurs: Why One Income Dip Isn’t a Deal Breaker

Mortgage Truths for Entrepreneurs: Why One Income Dip Isn’t a Deal Breaker

Income dip doesn’t mean mortgage denial. Learn how self-employed buyers can still qualify using smart loan strategies that look beyond temporary declines. ...more

Alternative Documents

January 09, 20262 min read

Why Self-Employed Borrowers Should Stop Guessing — and Start Using a Broker Who Actually Gets It

Why Self-Employed Borrowers Should Stop Guessing — and Start Using a Broker Who Actually Gets It

Self-employed and buying a home? Learn why working with a specialized mortgage broker gives business owners more options, smarter income qualification, and clearer approval strategies. ...more

Alternative Documents

January 08, 20263 min read

Ready to Just Apply Now?

Take the next step toward buying a home. Submit an official application today.

company logo
The High Desert Group Logo

Contact Us

Rich Bonn, NMLS #278696
Branch Manager

(281) 841-1723

4660 Beechnut Street, Suite 225, Houston, TX 77096

Site Accessibility Assistance

Habayit Home Loans is committed to ensuring our website is accessible to all users, including individuals with disabilities. If you experience any difficulty accessing content or wish to request an accommodation, please CONTACT US HERE. When reaching out, include the web page URL and a description of the issue you encountered.

Copyright 2026. All rights reserved. Rich Bonn NMLS # 278696 | Habayit Home Loans a DBA of The Turnkey Foundation Inc Branch 2523747 | Company | 236669 Equal Housing Opportunity | Equal Housing Lender

Habayit Home Loans a DBA of The Turnkey Foundation Inc
Branch 2523747 | Company 236669

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV.

By submitting any forms on this page or website and providing your mobile number, you are opting in and consent to receive text messages at the number provided, including messages that may be marketing or promotional, or for customer support. Messages may be automated or sent by an autodialer. Message and data rates may apply. There is no purchase necessary, and message frequency varies. Reply STOP to cancel and HELP for help. You can view our Terms of Service and Privacy Policy at the links provided.